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    • Hi,  It has been very stressful. I have just received a letter of 'Notice of Transfer of Proceedings' which states the case has been transferred to my local court and to await judge's directions. Is there still a possibility that it will not go to court? The other issue I now have is that I am moving abroad for work in the next few months and now might not actually be able to attend the court hearing!  I am not sure what the best course of action is now. I feel like after all this, the MET are going to win anyway! HELP! 
    • Thanks for jumping in Bazza.  I understand that some people would suggest this.  But no. The moot point is that there should not be any debt.  There shouldn't be any reason for me to be made B.  The lender / receiver are responsible for the property not selling in a timely manner.  Whoever heard of a (well-located nice) property not selling in >5y?    They have no reasons.   Disclosure has subsequently offered staggering evidence which corroborates lender bad behaviour, bribery, and collusion/ interference with the receiver.  I am holding them to account for this.  It is clear they don't want this evidence in the public domain - it will shred their reputation.   (One also has to understand that the ceo - with collusion and conflict of interest (using same lawyers as lender) and receiver - tried to get the property cheap for his own use) They now want to agree a settlement.  I have separately reported a lawyer for negligence to the LO and SRA. I want to report the receiver as soon as I understand how to.
    • Same as Barclays one I have just updated on. PRA group have written back and told me they intend to proceed with claim, have also sent another stack of documents, similar to last time round. I did fill in an online income breakdown etc on their website  offering to pay them x amount of money back each month,  a couple of weeks back, they haven't acknowledged that ?  
    • Hello, I wasn't able to update the defence, so they got the daft one.  Pra Group have responded dated 25th April saying they intend to proceed with claim. I have also received a stack of documents, similar to last time - print outs of old statements, but this time around they have send me a copy of the Barclay Card Conditions. Unsigned and dated. The address is an old address.  A consumer credit agreement with current address. Pages of it and no signature. I have uploaded onto a PDF what I have. The CCA agreement looks like a generic print out, I5 pages + long, I've included the 1st page that had my details on (redacted) don't know if its necessary to upload all of it.  Barclays 26042024.pdf
    • I suggested consideration of bankruptcy some years ago. It was not well received.
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RBS S.A.R unsuccessful .


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Hi All - I had a really old RBS account/loans.ppi but I do not have the account numbers. I know the branch , the names of the accounts and the relevent dates. These date back to 1987 - 1995.

 

I sent a S.A.R in to Edinburgh and they sent me back info on my currently used accounts which clearly I know about , so I rewrote asking for the correct data and they said as it was over 10yrs old they did not have it and suggested I visit the old branch , which is where I started in the first place.

 

I do appreciate these are ancient accounts but I cannot see why they do not possess this info.

 

Any suggestions as to how I move forward would be appreciated. Many thanks:smile:

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Unfortunately Banks are indeed claiming that they do not have data older than 6 years !

 

Is there any other way you can obtain these account numbers - Did you make payments via direct debit ? The bank you made payments through might still retain this information (account numbers would have been entered on those).

 

Perhaps Credit files.

 

What type of accounts were they - loan/credit card ?

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Hi - It was a business account and business loan. I did have a Factoring Agreement with Royscot

Factors at the time and I just thought perhaps I could send them a SAR as all my bank details would have to be on that. Plus I just remembered too my Bank got a fat referral fee for getting me the factoring deal , so no remorse on my part. I guess they are duty bound to respond to a SAR even though they are not a bank but another type of financial institution. Thanks for the help.

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RBS are always stating now that hold data for only 6 years after an account is closed, it has been said

that they hold data and wont release it but how does one prove this??

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